Branch Manager - Retail Branch Banking

SkillLabs; Patiala District; On-site; INR 900,000 - 1,200,000; Full time

Job summary

SkillLabs is seeking an experienced Branch Manager to lead and operate the assigned branch as a profit centre, focusing on revenues and compliance. The role involves managing lending, product sales, customer service, and security while driving business growth through client acquisition and cross-selling.

The ideal candidate will have prior branch management experience, strong leadership, and a deep understanding of banking products and services.

Qualifications

• Proven experience in branch management and team leadership.
• Strong client acquisition and portfolio management knowledge.
• Experience in compliance management and RBI guidelines.
• Excellent communication and relationship-building skills.
• Understanding of banking products, services and current accounts.
• Ability to coach staff and achieve sales targets.

Responsibilities

• Administer and operate a full-service branch, including lending, product sales, customer service, and security as per RBI/Bank objectives.
• Drive business growth through new business development and client acquisition.
• Promote sales culture through coaching, guidance and staff motivation.
• Achieve branch sales targets via new business and retention of accounts.
• Maintain Annual Operating Plan for products (liability, assets, fees).
• LeadWeekly/Monthly reviews of outbound and inbound sales activities.
• Oversee onboarding of new customers and cross-sell to existing customers.
• Manage CRM leads and segment customers to grow journal-ledger base.

Skills

Analytical Skills

Good Communication Skills

Banking products knowledge

Strong networking

Current-Account Knowledge

Team handling skills

Job description

In this profile you will manage the assigned branch & run it as a profit centre by managing the revenues & operations as per the compliances. Handle branch operations & work on per client revenue by targeting TPP X-selling, Liability Acquisition.

Required Candidate Profile

Prior experience as branch manager will be an add on. Rich experience in client acquisition, portfolio management, compliance management & team handling.

Job Role And Responsibilities

• Responsible for the administration and efficient daily operation of a full service branch office, including lending, product sales, customer service, and security and safety in accordance with the Bank's objectives
• Enhance and contribute in the growth of the company through Business Development
• Provision of a superior level of customer relations and promotion of the sales and service culture through coaching, guidance and staff motivation
• Achieve individual and branch sales goals through new business sales, referrals and retention of account relationship
• Maintain AOP (Annual Operating Plan) for the financial year i.e. to prepare and track product (liability, assets and fees) wise
• Weekly/monthly reviews for outbound and as well as for inbound sales
• Prepare and review monthly activity calendar of outbound activities for RM,BSM/SOs on a weekly basis.
• Ensure proper on-boarding of all new customers acquired
• Cross-sell of products with new and as well as with existing customers
• Conduct daily morning huddles to discuss daily plan and agenda for employees
• Track inflow and outflow of reports (like account closures, account opening, Fixed Deposit renewals/closures etc.) and thus, daily business generation
• Maintain customer relationship through sourcing and on-boarding process
• Monitor DSR (Daily Sales report) on a regular basis
• Manage leads through CRM (software used for entering the generated leads)
• Segment the customer within the catchments of the branch to increase the Journal-Ledger base of the branch
• Capability building and manpower management
• Mentor/Guide new joinees as well as existing branch employees
• Brief employees on their role and expectations from them
• Provide timely feedback to employees on a regular basis (structured feedback)
• Conduct workshops and training programs for the employees

Deliverables

Achieve incremental targets for CASA, Fixed Deposits and loans, and achieve fee in terms of Mutual Funds, Gold etc.

Maintain a healthy asset and liability book i.e., Journal Ledger growth

Customer Service

• Manage key branch relationships
• Ensure wait time within permissible limits as per segmental service approach
• Achieve customer service index scores target
• Ensuring no escalations at branch and complaint handling

Compliance And Risk Management

• Ensure operations, risk control and process adherence at branches
• Ensure RBI audits, inspections
• Maintain branch audit scores

Branch Profitability

• Ensure Growth in NII (Net Interest Income) for branch
• Increase fee income
• Ensure OPEX optimization (to reduce operational cost)
• Manage cost of cash holding at branch

Brand Administration

• Adhere to standardized branch guidelines
• Upkeep and maintain the branch (spic and span adherence to FIVE S norms)
• Ensure availability of necessary infrastructure in branch

Skills And Competencies

• Analytical Skills
• Good Communication Skills
• Knowledge and understanding of banking products and services
• Strong network within and outside the branch
• Current-Account Knowledge
• Team handling skills